is bankruptcy worse than doing a debt settlement?

Important Notice : If you have received calls from any company claiming to be Debts Free Life, please be informed that we do not call anyone and it is not us who is calling you or anyone else. We are an internet lead generation company. We do not call anyone. There is another company that is using our name and calling customers. They are doing Voice Broadcast (when you hear a message and it says press 1 to talk to a rep and 2 to place your number on Do Not Call list.) They are calling number of Federal DNC list, and they are repeatedly calling people. They are charging customers without their authorization. They are calling from different numbers and using different company names. We are already aware about the same and we have filed a police complaint with Denver Police, Colorado. This company is a call center based in Pakistan, their website is : http://debtfreelifestyletoday.com/Home.aspx/Create , their call center website is http://www.ovextech.com/Contact.aspx , they work for a company which is based in USA. Go ahead and file a complaint aginst them, you can get their details here: This is the website of the US based company http://www.premierbpo.com/ContactUs.html . We have requested them many times not to use our name, but they would not stop doing that. If they have scammed you, please file a complaint against them. Report them to FTC for DNC violations, fraud, anything they have done to you. We have testimonies of many customers who were scammed by this company. Please report them, they are using our name. If you want to pursue this matter further with this company, please inform us through the contact us form, we will get in touch with you to provide necessary details and a copy of the police complaint. You can also check some additional proof to confirm our claim. http://whocallsme.com/Phone-Number.aspx/8008146756 http://800notes.com/Phone.aspx/1-877-282-3707 These 2 websites listed above are not owned by us, neither they are influenced by us by any means. You can see a lot of people complaining about this scam company on these links above.